ID Theft Resources

How to File a Credit Dispute

If inaccurate information is found on your Credit Report you can correct those inaccuracies by filing a dispute with each of the Credit Bureaus for free. You can choose to dispute the information online, by phone, or via email.

Online

Phone

  • Equifax – 1- 866-349-5191
  • Experian – 1-888-397-3742
  • TransUnion – 1-800-916-8800

Mail

You can find a sample dispute letter here. In order to complete your dispute by mail, provide as much of the following information as possible:

  • Your name
  • Partial account number of the disputed item (from your credit report)
  • Current address
  • Social Security number
  • Date of birth
  • Name of company that reported the item you’re disputing (from your credit report)
  • Reason for your dispute (such as, it is not your account; you have paid the account; etc.)
  • Any corrections to your personal information (address, phone number, etc.)

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Experian
P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000